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Short Term Limited-Duration Health Plans (STLDPs) provide health insurance coverage that is designed to fill temporary gaps in coverage. STLDPs have a maximum duration of up to 12 months and may be renewed or for up to 36 months.

STLDPs are exempt from the definition of individual health insurance coverage under the Affordable Care Act (ACA). Consequently, they are not required to comply with the ACA provisions that apply to individual health insurance plans. Notably, STLDPs may discriminate against people with preexisting conditions by refusing to offer coverage to them. Compared to ACA-compliant health plans, STLDPs provide significantly fewer benefits.


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